Updating Bankruptcy Order Records

If a bankruptcy order (or a sequestration order in Scotland) against you has been discharged or annulled and this is not reflected on your credit report, you'll need to send a copy of the annulment or discharge certificate to all Credit Reference Agencies (Equifax, CallCredit and Experian). They will then update your credit report.

Discharged Bankruptcy Orders

If your bankruptcy order has been discharged, it will remain on your credit record for 6 years after the date of the bankruptcy order. You may need to send a copy of any proof of discharge to all the lenders listed on your statement of affairs, so that the lenders whose debts were part of your bankruptcy can inform the Credit Reference Agencies that you no longer owe any money on those accounts.

Annulled Bankruptcy Orders

If your bankruptcy order has been annulled, the Credit Reference Agencies will remove any mention of the order from your credit report when they receive your annullment certificate.